Short-Term Health Insurance in Boise, Idaho

Need affordable coverage while between plans? Short-term health insurance in Boise offers temporary protection for individuals and families during transitions such as job changes, waiting for employer benefits, or outside of open enrollment.

(208) 203-7776

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When a Short-Term Health Plan Makes Sense

  • Between jobs or waiting for employer benefits to start
  • Missed the ACA Marketplace Open Enrollment window
  • Early retirees not yet on Medicare
  • College grads or young adults needing a gap plan
  • Self-employed or contract workers wanting temporary coverage


Unlike ACA Marketplace plans, short-term policies are flexible, affordable, and can start as soon as tomorrow.

Short-Term vs. Health Share Plans – Which Is Better?

Some clients compare short-term health insurance with health share ministries:

Short-Term Plans

Insurance contracts, regulated, fast coverage, limited pre-existing conditions.

Health Share Plans

Community-based, lower monthly costs, not insurance but often longer-lasting coverage.

For very short gaps (1–12 months), short-term insurance is best. For affordable long-term alternatives, a Health Share plan may make more sense.

Key Things to Know About Short-Term Health Insurance in Boise

  • Coverage can start next day
  • No subsidies (unlike ACA)
  • Doesn’t cover all pre-existing conditions
  • Limited maternity & mental health coverage
  • Flexible durations (1 month up to 3 years depending on carrier & state law)

FAQs

Got a question? We’re here to help.

  • Can I renew a short-term health plan?

    Yes, but renewability depends on carrier (Pivot and Allstate often allow renewals).

  • What’s the cheapest option?

    Typically Pivot Health or Impact Health Share (if you’re open to non-insurance).

  • Do short-term plans cover prescriptions?

    Some do (Allstate, Pivot), but coverage is limited compared to ACA plans.

  • I missed Open Enrollment. What now?

    Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

  • How long does enrollment take?

    Most enrollments are completed same day once we have your info.

Local Help – Boise & Treasure Valley

With 20+ years in Boise, we help individuals, families, and self-employed clients compare short-term coverage vs. ACA vs. Health Share.


  • Independent & local (not a call center)
  • Same-day plan reviews
  • Simple: call, text, or book online